It was created to reduce the risk that a bank in Europe could go bust before markets open in America, stranding the American side of an FX transaction and leaving the American bank with its side lost.

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But one big question they will all have to answer is: which side of the transaction are they on?

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Yet this "imbalance" persists because each side thinks the transaction is beneficial: The paper company makes money selling paper, and we make money printing editorial content and advertisements on it.

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